Someone should verify again :

Allianz - There is a 20% co-insurance if you upgrade Room that is higher than the plan purchased. And there is a deductible of RM100 per admission.

ING - Deductible of RM50 per admission i think!

Why is there a deductible? Is it the hospital benefits? Isn't the same for other co. policy if you wanna upgrade the room?

Yup just check again the brochure, ING with RM50 deductibles on ING Mediplus medical card. Not sure about Allianz, anyone to confirm that?

Allianz No deductible. 20% co-payment if exceed room and board up to max of RM1000.

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Added on September 14, 2009, 3:32 pmHei my friend,

You did not mentioned on the co-insurance clause on the outpatient cancer and kidney treatment. If i'm not mistaken, its 10% up to no cap meaning every chemotherapy and radiotherapy and kidney dialysis, you also need to pay. Just an example, a chemo cost roughly Rm10k today meaning everytime get a jab also have to pay RM1000.



This post has been edited by chew_ronnie: Sep 14 2009, 03:32 PM

it is as charged subject to annual limit and overall lifetime limit. and also subject to 10% co-insurance

Friend,

Read my statement properly and clarify on that. 10% cap or up to no cap. This is the thing i wanna clarify

hmm....is that mean that ING and Allianz provide the best value for medical card?

My relative had admitted to Hospital for cancer checking and stayed in the Hospital for a night...according to her, she had paid nothing....why? I thought Prudential do have co-insurance too

Normally those that without co-insurance 1 is already some how calculated inside the premium. So, it does not means that it will provide best value. It will depends on what you actually need.

And also hospital tends to charge more on those medical card that without co-insurance. This is because they know how much they charge you will not care(Cos as long as we no need to pay, its ok). So for those no co-insurance medical card holder, check your bill too and questions the hospital staff if it is charge higher than normal. Do not let the hospital to earn your money too much.

Your relative holding Prudential medical card? Maybe she have another rider of cash allowance that cover up the co-insurance already.

This post has been edited by c.o.o.l: Sep 15 2009, 02:27 PM

Insurance noob here....what is "rider of cash allowance"?

rider means additional benefit attach to your policy.

Rider of cash allowance means an additional benefit of cash allowance when admitted to hospital.
For Prudential, there are 2 types of this rider:
- Hospital Benefit
- PRUMed

To add in

Package from HLA

MedGlobal II, 10% Co-insurance
MedGlobal IV, no Co-insurance

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Added on September 15, 2009, 10:37 pmTo add in

Package from HLA

MedGlobal II, 10% Co-insurance
MedGlobal IV, no Co-insurance

This post has been edited by allenultra: Sep 15 2009, 10:37 PM

between ING IMPlus and AIA ECP+MCP (latest medical card from AIA), which one would you choose? am considering about this 2 cards.

ING of course ^^

is that impartial opinion or voted with vested interest?

10% co-insurance. 10% cap

i think it's better to pay your premium half yearly or yearly coz there's a UT charger's everytime u buy units. about RM5. then if u pay monthly, it will be 60. if u pay yearly, it's only RM5 maa..

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Added on September 16, 2009, 7:38 amchecking cancer for one night, the bill are about 1-2k lor.. co-ins just 300. maybe the warded allowance covers it.

This post has been edited by malaunz: Sep 16 2009, 07:38 AM

Means that addition fee will require once the medi fee is huge?

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Added on September 16, 2009, 9:09 amErm...feel wired abt this...

IMHO, I'm sure that insurance companies know the ranges of medical fee...and I'm pretty sure that the extra higher medical charges will not be substantial coz insurance companies will do calculation too?

In short, those no co-insurance's medi card holder *maybe* will not care but does the insurance company care?

This post has been edited by TarePanda: Sep 16 2009, 09:09 AM

is hard to answer this type of question, don't you agree? Each has its own 'unique' feature..ie. ING has no co-insurance in any case, but AIA has unlimited lifetime limits; ING has a lower pre/post outpatients days limit than AIA; and ING has per-disability limit on the the Room(60 days per disability)...blablabla.. Is an Apple vs. an Orange to be frank.
So, It all bogs down to what type of features in the card that attract you and that should lead to your selection.
I guess the best way is to list down the features in point form, mark each of the feature which favours you the most with a tick, and count them at the end , that should tells you which med card suits you more.

i was comparing the cost of ING and AIA ECP+MCP from >35 - 70 years old and found out that the total premium for AIA card is about 25k more expensive than ING card for the same age range.

there u go, u got the answer don't you?
There is always a cost to something that is 'good', in this case, AIA's unlimited lifetime limit !